Download presentation on insurance company. Vehicle insurance

Theme: Auto insurance

Year and city: Moscow 2012

slide 1

Description of the slide:

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Description of the slide:

Owning and operating a vehicle carries more risks than owning other property. It is with the operation of the vehicle that the greatest risks of loss and damage to one's own property, as well as causing harm to life, health and property of third parties, are associated.

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Description of the slide:

Today, more and more people are becoming owners of their own cars. Therefore, it is not surprising that auto insurance is the most popular type of insurance in Russia. That is why you can insure your car in in large numbers insurance companies. Auto insurance gives an advantage to the car owner to shift all his financial costs in any accident to his insurance company.

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Description of the slide:

The vehicle insurance contract is bilateral and is concluded in writing. The parties under the contract are the insurer and the policyholder, there may also be third parties and beneficiaries. The term of the OSAGO agreement is one year. It is extended for the next year, if the policyholder has not submitted a written application to the insurer refusing to extend the validity of the contract no later than 2 months before the expiration of this contract.

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Description of the presentation Presentation on the topic: "Insurance" Made by a student on slides

Presentation on the topic: "Insurance" Made by a 1st year student Baranova A. Yu. Specialty "Operational activities in logistics" DEPARTMENT OF EDUCATION OF THE CITY OF MOSCOW State budget professional educational institution of the city of Moscow "First Moscow Educational Complex" Faculty of Entrepreneurship and Information Technologies

What is insurance? Insurance individuals— relations to protect the interests of individuals in the event of certain insured events at the expense of funds formed by insurers from paid insurance premiums (insurance premiums), as well as at the expense of other funds of insurers.

Insurance contract - basic concepts An insured event is an event that has occurred, provided for by the insurance contract or the law, upon the occurrence of which the insurer is obliged to perform insurance payment the policyholder, the insured person, the beneficiary or other third parties.

Until an insured event occurs, it is an expected event, in case of which occurrence insurance is carried out and is called insurance risk. Event considered as insurance risk, should have signs of probability and randomness of its occurrence.

Insurers - insurance companies and mutual insurance companies established in accordance with the law Russian Federation for the implementation of relevant activities and licensed in accordance with the procedure established by this Law.

The insurance contract establishes the amount within which the damage will be compensated - sum insured.

The insurance company charges a fee for the provision of insurance services. The person who has concluded the insurance contract (the insured) pays the insurance premium to the insurer.

Participants of the insurance market Participants in relations regulated by this Law are: insurers, insured persons, beneficiaries; insurance organizations; mutual insurance companies; insurance agents; insurance brokers; insurance actuaries; the federal executive body whose competence includes the exercise of control and supervision functions in the field of insurance activities (insurance business) (hereinafter referred to as the insurance supervision body) associations of insurance business entities, including self-regulatory organizations

Forms insurance compensation By agreement of the parties, insurance compensation can be received both in cash and in natural form. For example, when insuring glass breakage in your country house as a result of unlawful actions of third parties, you can discuss with the insurer the reimbursement of the cost of glasses or their replacement.

Various types of insurance 1. Life insurance; 2. Accident and illness insurance; 3. Medical insurance; 4. Insurance of property and financial risks associated with property interests; 5. Business risk insurance; 6. Civil liability insurance.

Criteria for choosing an insurance company 1) The company must be of a multi-product nature. 2) Sources of funding. 3) Legal aspect. 4) Quality of reinsurance. 5) Professionalism of the team. 6) History of the company in the insurance market. 7) Publicity and publicity of the company.

What to pay attention to when concluding an insurance contract 1. The list of insurance risks, that is, risks in the implementation of which insurance compensation is paid. 2. A list of exclusions from the insurance coverage, that is, events (conditions) upon the occurrence of which the insurance indemnity will never be paid; 3. The procedure for the insured to act upon the occurrence of an insured event - the timing and procedure for notifying the insurer about the incident is especially important. If this period is violated by the insured, there is a basis for refusing the insurance payment; 4. The term for the insurer to make a decision on payment for an insured event and a list of documents confirming the circumstances and causes of the insured event. 5. The presence and amount of the franchise, that is, non-reimbursable (under certain conditions) amount of damage.

Actions in the event of an insured event Immediately after the incident, you need to call your insurer and notify him of the occurrence of an insured event, indicating your full name, number insurance policy, location, circumstances of the incident and contact number for feedback. The notice period is usually indicated in the text of the insurance rules or on the front side of the insurance policy.

Then you must personally drive up to the insurance company to present the original or certified copy of the insurance policy or other document (certificate, certificate) confirming the conclusion of the insurance contract. In addition, you will be required to submit an application for payment of an insurance payment (insurance indemnity, sum insured), receipts for payment of an insurance premium, a passport or other identification document, and, if necessary, documents that can confirm the occurrence of an insured event. If we are talking about auto insurance, then when contacting the insurance company, you must additionally attach to the general list of documents driver's license, certificate of registration or other documents for the right to own and dispose of a vehicle.

After all are presented Required documents and an assessment of the insured event has been made, the insurer must make the insurance payment within the period specified in the contract for this insured event. The procedure for the occurrence of an insured event may vary slightly depending on the type of insurance.

What to do in case of violation of the rights of the insured in the payment of insurance compensation? You should be prepared for the fact that the insurer will do everything to refuse to pay you. Most often, the basis for refusal is that the damage was allegedly caused due to careless actions or negligence of the insured person himself. But in any case, if you are faced with an unlawful refusal to pay, the only way to get money is to go to court.

Thank you for your attention Sources: http: //www. budget solution. ru/ http: //strahovka-cheap. ru/http: //www. detskiysad. en/lawyer/law. html http: //strahovkunado. ru/http: //www. askins. ru/http: //www. insurance institute. en/

Motor insurance
CASCO
St. Petersburg
2014
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1

CASCO - a term or an abbreviation?

CASCO is not an abbreviation made up of capital letters, but an international term,
meaning any vehicle.
Derived from the Spanish "casco", which means the side of the vehicle, shield,
helmet, helmet.
Autocasco means comprehensive car insurance, in which the insurer must
a certain fee upon the occurrence of an event provided for in the contract to be reimbursed to a person, in
in favor of which the contract is concluded, the damages caused. The amount of compensation is also specified
in advance in the contract. A distinctive feature of Autocasco insurance is that it is insured
exactly your car, since the damage to its owner will be compensated regardless of who
guilty of an accident or an accident.
Depending on what risks are included in the policy,
CASCO can be:
- full (the car is insured against damage and theft);
- incomplete (the car is insured only against damage).
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2

The car is a value subject to dangers and a source of danger

Who and what needs protection
in possession and use
by car
The car itself and
established
On him
Equipment
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Responsibility
car owner
before strangers
people for their lives
health and property
Comprehensive
Insurance
vehicles
Auto hull
Vehicle insurance and
installed in it
additional
equipment
DGO
Insurance
civil
Responsibility
vehicle owners
3

What can happen to the car?

The car may disappear (theft)
or be taken away by force (theft)
Car and accessories equipment can be
damaged or destroyed
as a result of an accident, fire, damage by third parties, etc. (damage)
May cause harm to life, health and property of strangers
people (third parties)
These people or their heirs may file a claim for reimbursement with the client
harm done to them
What will help Insurance Company?
All expenses will be covered!
(within the sum insured)
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Car insurance: CAR CASCO

AUTOCASCO - a combination of insurance risks DAMAGE and THEFT (HIFT)
Insured risk - an anticipated event, in the event of which the Insurance Contract is concluded
The object of insurance is the property interests of the Insured (the Beneficiary) associated with possession,
use and disposal of the Vehicle and with additional equipment installed on it (if specified in the Agreement)
due to their damage, loss (death).
The subject of insurance is a specific car.
The insured is a legal entity of any organizational and legal
forms, individual entrepreneur or capable physical
the person who has concluded the Insurance Contract with the Insurer.
An insurer is a legal entity of any organizational and legal
the form provided for by the legislation of the Russian Federation, created for
carrying out insurance activities and received in the prescribed
procedure for a license to carry out insurance activities for
territory of the Russian Federation (Article 6 of the Law, Article 938 of the Civil Code of the Russian Federation).
Beneficiary - a person in whose favor the Policyholder has entered into
insurance contract.
Insurance Contract - a written agreement between the Insurer and
By the Policyholder, by virtue of which the Insurer undertakes upon the occurrence
insured event to make an insurance payment, and the Policyholder
(the Beneficiary) undertakes to pay the insurance premium in
terms set by the agreement.
Franchise - the amount of losses provided for by the insurance contract, not
subject
reimbursement
insurer
To the insured
(to the beneficiary)
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What can be insured?

Vehicles:
Russian passenger cars
and foreign production
Trucks
Trailers and semi-trailers
Buses
Minibuses and mini trucks
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Not accepted for insurance

Sports vehicles
Exclusive vehicles
Vehicles used as taxis
Rental vehicles
Training vehicles
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Not all vehicles are accepted for insurance

Accepted for insurance:
Registered or subject
registration with the traffic police;
Passed technical inspection;
Without significant mechanical and
body corrosion damage.
Not accepted for insurance:
The owner of the vehicle has one car key;
Vehicles imported into the territory of the Russian Federation in violation of
current customs norms and rules;
Vehicles listed in the information databases
customs authorities and Interpol as before
stolen;
Inconsistent with the requirements of the Rules
traffic and other regulatory
documents;
The vehicle is registered in the territory
a foreign state;
Important! If there is a discrepancy between the data in
vehicle registration certificate
actual data on the vehicle conclusion
insurance contract is prohibited [according to
Methodology].
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Vehicle identification number missing or
not installed, or in the registration documents
there is a mark of destruction
identification number as a result of corrosion;
The owner of the vehicle has a duplicate of the title [according to
Methodology].
8

Target segment

Cars made in Germany (Mercedes, BMW, Volkswagen).
Passenger vehicles of foreign production Vehicles worth more than 2,000,000
rubles.
Vehicles driven by experienced drivers aged 29 or over
driving experience of 10 years or more.
Vehicles with a ride height of more than 17 cm
Policyholders with experience in break-even CASCO insurance in other
insurance companies.
Franchise agreements.
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What else can be insured?

Additional equipment and accessories
(what is not included in the vehicle package in accordance with the manufacturer's documentation)
Accepted for insurance:
Mechanisms, installations, fixtures, devices, equipment and accessories, stationary
installed on the vehicle;
Automotive television, radio, audio equipment;
Anti-theft system;
Assembled wheels.
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Which of the DOs (additional equipment) is not accepted for insurance?

Not accepted for insurance:
The trunk and elements of its fastening (with the exception of permanently installed ones);
Coloring other than factory (stickers, stickers, branding, etc.);
Tinted glass and lighting devices, different from the factory;
Searchlights and additional lighting devices;
Removable front panel of radio, audio, instruments
Radio stations and wireless telecommunication devices;
Telecommunication devices and accessories in the cabin, (unless
they do not belong to the standard equipment of the insured vehicle);
Wiper blades;
Elements that do not require installation: fire extinguishers, first aid kit, jacks, tools, repair
kits, child seat, seat covers, floor mats, portable monitors, emergency sign
stops;
Easily removable (not requiring installation in service conditions) anti-theft means;
Cover of trucks, trailers and semi-trailers [p. 3.2.1.3 of the Rules and section 5, paragraph d) of the Methodology]
Important!
If an insured audio head unit with a removable front panel is stolen from the car, and the front
the panel was left in the insured vehicle during the absence of the driver and was not presented in
insurance company, then this damage is not covered by the insurance contract [p. 3.2.1.3 of the Rules].
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as a result:
"Damage" property
losses
Policyholder
(the beneficiary) caused by
damage or
destruction
(total destruction)
insured vehicle,
aggregates and nodes
1)
accidents, including:
Collision of a moving vehicle with another vehicle
Damage to a parked vehicle by another vehicle
Vehicle collision with other objects, animals, people
Departure of the insured vehicle from the roadway
Rollovers, falls of the insured vehicle (including into water)
Damage by objects thrown out from under the wheels of other vehicles during their movement

technical services
4) Direct (intentional or careless) damage to the vehicle by third parties
5) Theft of individual elements, components and assemblies included in the standard equipment of the vehicle,
third parties
6) Falling foreign objects (including snow and ice), unless otherwise provided by the Contract
7) External damage to the vehicle body by animals
8) The direct impact of natural hazards (hydrological,
meteorological, geological phenomena in accordance with the classification of the current
legislation)
9) Other events, if provided by the Agreement [p. 3.1.1. Rules]
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Insured events and insured risks

"Theft" property losses
Policyholder
(Beneficiary),
caused by the loss
insured vehicle
as a result:
1)
Theft
2)
Robbery
3)
Robbery [p. 3.1.2 of the Rules]
as a result:
1) Accident, including the points specified in the risk "Damage"
"Additional
equipment» property losses
Policyholder
(Beneficiary),
caused by damage
or destruction (complete
death) of the insured
BEFORE
2) Fire, explosion, ignition, lightning strike
3) Damage to the vehicle due to the fault of road, road maintenance, utilities and
technical services
4) Direct (deliberate or negligent) damage to the vehicle by third parties
persons
5) Theft of individual elements, components and assemblies included in the regular
equipment of the vehicle, by third parties
6) Falling foreign objects, including snow and ice, unless otherwise provided
Treaty
7) External damage to the body of the vehicle by animals (except for damage and destruction of
inside the cabin)
8) The impact of natural hazards (hydrological, meteorological,
geological phenomena in accordance with the classification of the current law)
9) Other events, if provided for by the Agreement [Clause 3.1.1 of the Rules]
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Illustration of individual risks

Fire
Explosion
Flooding
Theft
Crash
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PDTL
14

Examples of large payouts

1,167,000 rubles
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685,000 rubles
BMW Z4
Damage
as a result
collision with
let
Mazda 6
Theft
487,000 rubles
343,000 rubles
Volvo S 60
Hitting a vehicle
Skoda Octavia
car accident
15

Peculiarities of insurance against the risk "Theft / Theft"

In cases where the vehicle remains unattended,
The insurer is liable for this risk only under the following conditions:
Equipping the vehicle with a security anti-theft device or other protective complex, in accordance with
in accordance with the requirements of the Insurer [tables 2.2 and 3.2 of the Methodology]
Anti-theft system
a complex of mechanical, electromechanical and electronic means installed on the vehicle in order to prevent them
theft, theft or other unauthorized use. These devices include, but are not limited to:
immobilizer, mechanical anti-theft device, security and search satellite system.
Electronic
Anti-theft
System
(EPS, signaling)
Mechanical
anti-theft
device
(MPU on the hood,
steering shaft, gearbox)
Immobilizer
(regular or
additional
with anti-robbery
label, submersible)
Bookmark
(electronic
device for
search and return
car)
Satellite
anti-theft
system
Active electronic
anti-theft
device
Attention! Central locking, steering wheel-pedal device, pedal lock,
steering wheel” are NOT CONSIDERED as mechanical anti-theft devices
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Exclusions from insurance coverage [full list in clause 12 of the Rules]

Damage caused by chipped paintwork [Notice];
Damage caused by damage to tires and rims, if this did not cause damage
other components or assemblies of the insured vehicle [Important! Suspension diagnostics];
Damage caused by natural wear and tear and operation of the vehicle;
Damage caused by a manufacturing defect;
Damage caused to the insured vehicle, TO, caused by the use of low-quality or
relevant technical requirements fuels, lubricants and other liquids;
Damage caused to the insured vehicle, DO, caused by the operation of the vehicle with the vehicle built into the design
changes;
Damage caused to the vehicle, subsidiaries as a result of an event that occurred as a result of the operation by the Insured
technically faulty vehicle;
Damage,
caused
TS,
BEFORE,
in
period
exploitation
TS
from
violations
timing
passing
state technical inspection;
Damage caused as a result of intentional actions of the Policyholder, Beneficiary, person,
authorized to drive the insured vehicle;
Moral damage, loss of profit, downtime, loss of income and others, indirect and commercial and other
losses;
Damage caused by the loss of the presentation and/or commercial value of the vehicle and/or the DO installed on it;
Damage caused to the vehicle, TO as a result of the failure of the vehicle under the ice;
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Exclusions from insurance coverage [full list in paragraph 3 of the Rules]

Events that are not recognized as insured events and are not covered by this insurance
led to the loss, damage, death of the insured vehicle, TO, causing harm, life and health
Insured persons, as well as damage to the Injured persons, if they occurred during the period:
use of the insured vehicle in competitions, trials, for driving lessons;
transfer of the insured vehicle for leasing, rent, rental;
exposure to a nuclear explosion, radiation or radioactive contamination;
hostilities, popular unrest of all kinds;
confiscation, seizure or destruction of the insured vehicle
by order of state bodies;
spontaneous movement of the vehicle;
control of the insured vehicle,
not allowed to drive the insured vehicle
under an insurance contract or by a person who does not have a driver's license,
were at the time of the accident in a state of any form of alcohol,
drug or toxic intoxication;
if the driver of the insured vehicle fled
from the scene of an accident or refused to undergo medical
examination (examination)
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Payment of an insurance premium [p. 5 Rules]

Payment options
Payment terms
at a time
In installments (insurance premiums)
With a one-time payment - the day of the conclusion of the Agreement
In case of installment payment - the terms established by the Agreement
Types of insurance premium payment
Cashless payments
Cash
(by bank card through the cashier
branch)
Cashless payments
(at a bank branch on an invoice issued by
insurance company to pay for the policy)
Day of payment of the insurance premium (first insurance premium):
In cash - the day of payment through the representative of the Insurer or at the cash desk
In case of non-cash payment - the day of receipt of funds to the Insurer's settlement account
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Insured value and sum insured [clause 4 of the Rules]

In the Insurance Contract for the Vehicle and Additional Equipment
installed separately:
Insurance value
Sum insured
-Actual value at the moment
conclusion of an insurance contract,
-Determined by the Insurer
taking into account the year of manufacture of the vehicle and (or)
add. equipment, as well as their technical condition
and degree of wear.
[Important! - Determined according to
reference book "NAMI" or in accordance with
instructions for determining the sum insured
via the site auto.ru]
By agreement of the parties, the sum insured is determined in rubles or in an amount equivalent to
amount in foreign currency.
If the sum insured is set in a foreign currency, then the determination of the sum of the insurance indemnity
carried out in rubles at the exchange rate of the Central Bank of the Russian Federation, established on the day of the decision on recognition
declared event as an insured event, drawn up by an insurance act
Payment of insurance compensation is made only in rubles - at the rate of the Central Bank of the Russian Federation,
established on the date of the Insurer's decision to pay
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Franchise

The deductible is the participation of the Insured in compensation for damage, thereby guaranteeing it
fair dealing with property.
The deductible is the unpaid part of the insured damage. Exemption of the Insurer from payment
insignificant amounts in the amount of the established franchise allows him to simplify and reduce the cost of the procedure
damages and reduce the insurance rate accordingly.
The product provides the following types franchises:
Unconditional (fixed amount of the part of the loss not compensated by the Insurer, the methodology of Table 2.5);
Dynamic (the amount of the part of the loss not compensated by the Insurer, set as a percentage of
the sum insured and is valid from the moment the 3rd insured event is declared: 1st insured event - 0%, 2nd - 0%, 3rd - 3%, 4th - 5%);

Increasing (the amount of the part of the loss not compensated by the Insurer, set as a percentage of
sum insured and is set as a percentage of the sum insured and is valid from the moment of application of the 2nd insurance
events: 1 insured event - 0%, 2nd - 3%, 3rd - 5%);
The exception is the events for which the Insurer has identified the person responsible for the occurrence
insured event, to which it is possible to present a claim for compensation for damage in the order of subrogation and
damage to the glass elements of the vehicle.
Preferential (the size of the part of the loss not compensated by the Insurer, established in absolute value and
marked in the policy in the column "Unconditional deductible")
The exception is the events for which the Insurer has identified the person responsible for the occurrence
an insured event, to which it is possible to present a claim for compensation for damage in the order of subrogation.
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The procedure for calculating the insurance premium

The calculation is based on several factors:
Credit TS or not (N-r: Loan from Unicredit bank)
Vehicle brand/model (Example: Brand - Hyundai / Model - Solaris)
year of issue (N-r: 2011)
vehicle power in hp (N-r: 98 hp)
the cost of the car (N-r: 400,000.00 rubles)
age and experience of drivers admitted to driving
(Ex: 1 driver aged 30 with 10 years of experience)
form of payment of insurance compensation
(Ex: Repair at a service station recommended by the Insurer)
the procedure for paying the insurance premium (N-r: lump sum)
territory of insurance (Russian Federation + Finland)
anti-theft systems available in the car (Alarm - Sher-Khan)
whether there is a break-even transition from another SC
whether payments are needed without certificates (Ex: up to 3% for body parts)
The tariff is calculated by multiplying the base tariff (method 2.2 for domestic cars, cl.
2.4. for foreign cars) and correction factors (method item 2.5.)
The insurance premium can be calculated using the "Calculator"
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Insurance contract [p. 2 Rules]

The insurance contract is concluded on the condition that the Policyholder:
1. Filled out and signed the application
2. Signed the vehicle inspection report
3. Signed the Agreement
4. Paid the insurance premium to the Insurer
Currency of the Agreement (by agreement of the parties)
Rubles
Foreign currency (Dollar, Euro)
Settlements between the parties are made only in rubles
at the rate Central Bank RF on the date of calculation
Insurance term - 1 year
Insurance term less or more than 1 year
can only be installed upon agreement with the underwriter
auto insurance department
Effective time:
From 00:00 on the day following the day the Insurer receives the insurance premium or
down payment
Changing the terms of the contract (as agreed by the parties)
By concluding an additional agreement to the Insurance Policy (addendum)
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Territory of validity of the Insurance Contract [cl. 1.27 of the Rules]

The agreement is valid only on the territory of the Russian Federation
except for territories
The Republic of Dagestan,
Ingush Republic,
North Ossetian Republic,
Chechen Republic,
unless otherwise provided by the contract
insurance.
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Documents for the conclusion of the Agreement [p. 2.6 of the Rules and according to the Methodology]

Original Documents:
Certificate of registration of the vehicle;
Passport of the vehicle;
Passport of the Insured / Owner
Driver's licenses,
admitted to the management of the vehicle;
Powers of attorney (if any) and/or other
documents confirming the right to own the vehicle;
Documents confirming the cost of new vehicles.
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Vehicle Inspection Certificate

The inspection report contains information:
No. of the insurance contract/policy and its date
conclusions, date and time of the inspection;
brand,
model,
registration
identificational
room
(VIN)
engine, body, chassis
room,
room
Complete set of the vehicle and the presence of an additional
equipment
The general condition of the vehicle and the presence of visible
damage (indicating the degree and nature
these injuries)
Anti-theft protection: specified
presence/absence
full-time
anti-theft
systems, as well as brand / model optional
installed systems
Other information needed to determine
degree of risk.
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Inspection of the vehicle is a mandatory condition for insurance [according to the Regulations on conducting a pre-insurance inspection of the vehicle]

When concluding the Insurance Contract or changing its conditions, the Policyholder
(the Beneficiary) at the request of the Insurer is obliged to provide the vehicle for inspection;
The inspection is carried out by a representative of the Insurance Company, who has a Power of Attorney (see.
Appendix - accredited service centers for pre-insurance examination in
Petersburg) to conduct a pre-insurance inspection in the presence of the Insured;
The result of the inspection of the vehicle is the completed "Vehicle Inspection Certificate",
which is an integral part of the Contract and the photo;
For damage noted in the “Vehicle Inspection Report” or missing for any reason
at the time of conclusion of the Contract, elements of the Vehicle (assemblies, assemblies, parts), the Insurer does not bear
liability for the Insured's requests for reasons of their loss during the insurance period;
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Information for concluding a CASCO agreement

Vehicle (TC)
is owned
1. Brand / model of the vehicle;
2. Year of issue of the vehicle;
3. Vehicle power, hp;
4. The cost of the vehicle, rub. (for new vehicles,

vehicle purchase agreement)
5. Age of drivers admitted to
management;
6. Experience of drivers admitted to driving;
7. What anti-theft systems are installed
on vehicles (regular and additional);
8. Availability of a break-even CASCO agreement for

9. Do you need payments without certificates;
10. Franchise (yes / no, if so, which one)
11. Form of payment (money or repair)
12. Payment at a time or in installments;
13. Do I need an accompanying program
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Vehicle (TC)
is pledged to the bank
1. Name of the bank that provided
credit for the vehicle;
2. Brand / model of the vehicle;
3. Year of release of the vehicle;
4. Vehicle power, hp;
5. The cost of the vehicle, rub. (for new vehicles,
located in the cabin, we take the cost from
vehicle purchase agreement)
6. Age of drivers admitted to
management;
7. Experience of drivers admitted to driving;
8. What anti-theft systems
installed on the vehicle (regular and
additional);
9. Availability of a break-even CASCO agreement for
last year in another company;
10. Do you need payments without certificates;
11. Do I need an accompanying program
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The procedure for concluding a CASCO agreement

Receiving from the client the necessary
for insurance information
Insurance premium calculation
(calculator)
Communication to the client of the proposed insurance conditions and
getting his consent
Organization of vehicle inspection and collection of all
required documents
Vehicle inspection
(see list of accredited service centers)
Registration of a package of documents
(application + policy + receipt + rules)
Signing the policy and receiving money from the client.
Delivery of the policy to a specialist and money to the cashier
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Voluntary civil liability insurance (DGO)

Civil liability is the responsibility of the owners of the vehicle in the event of damage as a result of
Accident damage to life, health and property of third parties due to the use of the insured vehicle by persons
admitted to its management and specified in the Insurance Contract.
Basic insurance premiums by DGO risk
IMPORTANT!
Sums insured, rub.
Vehicle type
300 000
600 000
1 000 000
1 500 000
2 000 000
Insurance premiums, rub.
Passenger vehicles, minibuses
(up to 8 seats inclusive),
SUVs
600,00
900,00
1 500,00
1 800,00
By
harmonization
For insurance
only accepted
TS foreign
production is not
over 10 years old
Adjustment coefficients to the base premium for DGO risk
Additional factors affecting the degree of risk
Age up to 22 years inclusive, experience up to 3 years inclusive
Coefficient
(Co)
1,8
Age up to 22 years inclusive, experience over 3 years
1,6
Age over 22 years, experience up to 3 years inclusive
1,7
Age over 22, experience over 3 years
Corrective
odds
to
basic
1
tariff
successively
multiplied: Kind \u003d Basic premium × Ko
For example: Ford Focus 2004, Driver - 26 years / experience 1.5 years, C.sum = 600,000.00,
Kind \u003d 600,000.00 * 1.7; Kind=1 020.00
ERGO slide master – 2014
IMPORTANT!
DGO insurance can
carried out only
together with insurance
CASCO risks (Damage)
IMPORTANT!
Sum insured under DGO
non-aggregate (i.e. it is not
reduced in size
produced insurance
payments, regardless of
quantities)

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